07903 847 748



Do you have credit problems?

Do you need to check out your credit file(s) ?  Are you unsure as to what maybe registered? 

Most lenders of money use credit scoring as an in initial way of assessing your details info' held on the credit file will affect this decision. This could be late payments, serious arrears, defaults or county court judgements (CCJ's). 

By reviewing these files before applying for credit can save a lot of time and unnecessary work. 

If you have or have had credit problems in the form of rent or mortgage arrears, loan or credit card late payments, defaults, CCJ's or a bankruptcy (whether cleared or not)/IVA or just have a low credit rating, we can help you get a fresh start.

All we need is your last 6 years addresses, with postal codes and we can apply on-line to order a report for you. We will then review the info' with you to narrow the search to those lenders who will consider your application seriously.

Alternatively you can write to or apply online to, for a small fee ;

Experian Group Ltd - www.experian.co.uk
Consumer Help Service
PO Box 8000


Equifax (UK) Ltd - www.equifax.co.uk
Dept. 1E
PO Box 3001
G81 2DT

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Nicholas Hall is an adviser with Julian Harris Mortgages Limited who are authorised and regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up payments on a mortgage or loan secured on it. Written quotations available on request. All loans are subject to status. Some loans may require assignment of life assurance. Residential Mortgage transactions will not incur a broker's commission fee. THE STERLING EQUIVALENT OF YOUR MORTGAGE UNDER A FOREIGN CURRENCY MORTGAGE MAY BE INCREASED BY EXCHANGE RATE MOVEMENTS. Think carefully before securing other debts against your home.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients.
Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk